USAA vs. AAA

Compare rates from the top car insurance companies in your area.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

USAA or Auto Club (AAA):
Which Company is Best for You?

Choosing a car insurance company is difficult: the rates each insurer offers can vary widely based on your location, age, and driving history, and every company's discounts differ. USAA and AAA are two of the most popular insurers, providing high-quality policies across most of the US.

In an effort to simplify the comparison process, we have pulled average rates from AAA and USAA. The below cover a variety of rating factors, including credit rating, driving record, and age. Check out the below rates and find your next car insurance policy today.

Want to learn more? Check out our full reviews of USAA and AAA.

 

USAA vs. AAA: rate comparison

 

USAA vs. AAA: pricing by credit score

If you have very poor credit, USAA could be preferable to USAA. Typically, USAA offers better rates than AAA for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should consider USAA, which typically beats AAA by $1,974 annually. Check out typical insurance rates by credit level for AAA and USAA below.

 
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AAA VS. USAA
Credit levelUSAA avg. annual premiumAAA avg. annual premium
Very Poor (300-579)$2,682$6,569
Fair (580-669)$1,247$4,023
Good (670-739)$1,057$3,723
Very Good (740-799)$910$3,004
Exceptional (800-850)$840$2,814
 

USAA vs. AAA: rates after infractions

If you're carrying an at-fault accident, speeding violation, reckless driving violation, or DUI on your driving résumé, USAA could be a better choice than AAA. Every car insurance company will handle driving offenses differently, so don't be afraid to shop around to find out which insurance company suits you.

 
HIGH-RISK INSURANCE RATE COMPARISON: AAA VS. USAA
CitationUSAA avg. annual premiumAAA avg. annual premium
At-fault accident (damage < $1,000)$1,304$4,078
At-fault accident (damage > $1,000)$947$4,002
DUI/DWI$1,952$5,530
Reckless driving$1,472$5,530
Speeding ticket$1,124$4,078
 

USAA vs. AAA: rates by age

Insurance companies use age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is typically most expensive for teen drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every insurance company rates ages in a different way, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose USAA over AAA: USAA offers average yearly savings of $7,392, compared to AAA.

 
COMPARING AUTO INSURANCE RATES BY AGE: AAA VS. USAA
Age bracketUSAA avg. annual premiumAAA avg. annual premium
Teens$2,864$10,256
20s$1,261$4,644
30s$963$4,644
40s$957$3,195
50s$889$3,083
60s$845$2,887
 

Affordability aside, USAA and AAA each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonUSAAAuto Club (AAA)
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonUSAAAuto Club (AAA)
Financial Strength SuperiorSuperior
JD Power Rankings ExcellentBelow average
User Satisfaction 4.6/54.6/5
Other ProductsUSAAAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAuto Club (AAA)
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.Auto Club provides its customers with customizable payment options, competitive rates and excellent features.
Roadside Assistance24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.
Additional DiscountsUSAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members.
Recent QuestionsAm I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
See More Questions
Can a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory, are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
See More Questions
Compare MoreUSAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root Insurance USAA vs. Safe Auto USAA vs. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. Safeco Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers
Top StatesArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas